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Standard renters insurance typically covers the cost to repair or replace your belongings from the following perils in a rental:
On top of covering your property, renters insurance provides many other forms of protection. These include:
Renters insurance does not cover damage due to flood. You can, however, purchase renters flood insurance to protect your personal property in the event of flood damage.
Like flooding and other natural disasters, earthquake damage is not covered by renters insurance. You can, however, purchased either as a rider to your current renters insurance, or as a separate insurance policy.